Associate Banking Advisor

Associate Banking Advisor

Requirements

• Knowledge of banking products and services is required.
• Credit underwriting experience is required.
• Analytical, problem solving, and organizational skills required.
• 5+ years’ experience, or equivalent, in financial servicing/accounting fields with client servicing background.
• Formal credit training is required with a minimum of one year experience performing credit analysis and underwriting.

Responsibilities

• Assists the Portfolio Banking Advisors and Banking Relationship Advisors with client portfolios and internal administration of accounts; communicates regularly with clients, attends client meetings and presentations and assists Relationship Managers with business development plans and client presentations.
• As appropriate, manages a portfolio of clients and makes credit presentations at Group Credit Committee.
• Coordinates with the Account Managers and Operations on deposit related transaction processing and to execute daily client transaction activity including account opening, exception clearing, overdrafts, fees, payments and borrowing; handles inquiry resolution; obtains appropriate documentation necessary for credit underwriting, monitoring and credit file maintenance; requests and ensures systems information is up-to-date; execution of client servicing events, communicating with clients and other internal and external partners.
• Oversees development of appropriate action plans for client servicing and coordinates with other team members across disciplines to ensure execution and follow-up.
• Documents services provided, specialized procedures and ongoing written communications with client as appropriate in managing daily activity.
• Develops clear understanding of clients need behind service requests and communicates to service partners. Obtains appropriate information from partners and client to facilitate service changes or transactions.
• Assists Relationship Managers with internal administration of accounts, business development and client presentations for Banking.
• Identifies service efficiency enhancements, process improvements and service delivery using creative and proactive measures.
• Communicates with clients regularly to inform them of account set-up or status, past due loans, document requests or other information.
• Develops and maintains working knowledge of loan agreements, financial statements and other documentation required to monitor client relationships.
• Is well versed in the compliance requirements for new accounts and relationships. Prepares compliance certificates, monitors loan document deficiencies and reviews compliance reports for adherence to policy and procedures.
• Reviews loan documents, submits loans requests for evaluation, may attend loan closings to help review documentation with clients, follows up on missing loan documentation.
• Develops and maintains a working knowledge of various business applications critical to relationship management including client on-line tools.
• Participates in inter-discipline training within the office/region. Acts as a technical resource or expert for other account managers on process or procedures for delivery of service.
• Coordinates commercial/custom approval process by submitting requests for underwriting and loan documentation and proactively engages in the renewal process by reviewing reports of maturing credits and coordinates the receipt of required information from client for renewal process.
• Coordinates due diligence on loans such as obtaining money market rates, ordering of appraisals and other items necessary for loan approval and booking.
• Carries out complex activities with significant financial, client and/or internal business impact.
• May have direct interaction with committees and/or Senior Management.
• Able to serve as a key subject matter expert and mentor to other more junior level employees.
• May manage daily operational activities and supervise day-to-day work of junior level employees (but not a formal management role).
• More technically sound in area of expertise and has broader knowledge of other areas.
• Delivers a work product that requires less revision.
• Able to facilitate discussions and reach decisions.

Preferred Qualifications

No preferred qualifications provided.